# Automated Decision Contestation Response Template

**CONFIDENTIAL**

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**From:** Meridian Analytics Ltd
Data Protection Office
47 Canary Wharf Tower, London E14 5AB
dpo@meridiananalytics.co.uk

**Date:** 14 March 2026

**To:** Thomas Burke
14 Regent Street
Manchester M2 1HN

**Reference:** ADM-2026-0220

**Subject:** Outcome of Your Contestation of Automated Decision

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Dear Mr Burke,

Thank you for your contestation received on 20 February 2026 regarding the automated risk scoring decision applied to your account application (Decision Reference: RS-2026-0847).

We have conducted a human review of the automated decision in accordance with Article 22(3) of the UK General Data Protection Regulation (UK GDPR).

## 1. Original Automated Decision

On 15 February 2026, our automated client risk scoring system assessed your application and produced the following outcome:

- **Risk score**: 28 out of 100 (threshold for enhanced review: 35)
- **Automated recommendation**: Enhanced due diligence required before onboarding
- **Effect**: Delayed access to the Meridian Analytics platform pending manual review

## 2. Your Contestation

You contested the decision on the following grounds:
- The company registration data used in the assessment was based on outdated records that did not reflect a recent restructuring completed in December 2025.
- The financial indicators referenced a credit report from September 2025, which predated a significant funding round completed in November 2025.

## 3. Human Review Process

Your contestation was assigned to Michael Torres, Senior Compliance Analyst, who was not involved in the original automated assessment. Mr Torres:

1. Reviewed the automated risk scoring output and the input data used.
2. Reviewed your contestation letter and the supporting documentation you provided (Companies House filing confirmation dated 12 December 2025, funding round press release dated 18 November 2025).
3. Obtained an updated credit reference report dated 25 February 2026.
4. Re-evaluated your application considering the updated information.

## 4. Review Outcome: MODIFIED

Based on the human review, the original automated decision has been **modified**:

- **Updated risk score**: 52 out of 100 (above the enhanced review threshold)
- **Revised decision**: Standard onboarding approved — enhanced due diligence is no longer required
- **Reasoning**: The updated company registration data and the post-funding-round financial profile materially change the risk assessment. The automated system's output was based on data that was accurate at the time of processing but did not reflect recent material changes to your company's circumstances.

## 5. Next Steps

Your account application has been approved for standard onboarding. You will receive platform access credentials within 5 business days.

## 6. Model Improvement

Your contestation has been logged in our model monitoring system. The finding that the automated system did not account for recent restructuring events has been escalated to our model development team for review in the next quarterly model validation cycle (scheduled for April 2026).

## 7. Your Rights

If you remain dissatisfied with this outcome, you have the right to:
- Lodge a complaint with the Information Commissioner's Office (ICO): ico.org.uk, telephone 0303 123 1113
- Seek a judicial remedy under Article 79 UK GDPR

Yours sincerely,

**Dr Sarah Chen**
Data Protection Officer
Meridian Analytics Ltd

**Reviewed by:** Michael Torres, Senior Compliance Analyst
**Review date:** 10 March 2026